Single-currency credit cards are UnionPay RMB credit cards, which are mainly used in China and can be used in some foreign areas, but they cannot be used without the UnionPay logo; dual-currency credit cards can be used in China and abroad. For normal use, there are basically no restrictions.

The most significant difference between single-currency credit cards and dual-currency credit cards is the settlement method. Single-currency credit cards can only be used for consumption in one currency, such as UnionPay, while dual-currency credit cards can be used for UnionPay or U.S. dollars. Consumption.

Another difference between the two is the repayment method. A single-currency card is a RMB card (the card has only the UnionPay logo on the card, and the card number starts with 62). When you buy something in a shopping mall, the settlement is in RMB. When repaying, you must pay the bank in RMB, and foreign currency repayments are not accepted. Dual currency card is a RMB and USD card (the card has not only the UnionPay logo, but also the VISA or MasterCard logo, and the card number usually starts with 43 or 52). When using the card for consumption, consumption on the RMB settlement POS or UnionPay collection platform is denominated in RMB, and repayments are made in RMB.